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| bearsndogs |
Posted - 01 December 2011 : 13:48:11
I am being hassled by a debt collection company in respect of a matter I know absolutely nothing about.
BR happened two years ago and AD (presumably) given a year ago. All information regarding my creditors was passed onto the OR and subsequently onto Trustee.
Suddenly, I am receiving abusive telephone calls from them (Rossendales) but they don't accept the fact that I know nothing about the matter or that I have told them I was made bankrupt. I have now received what I consider to be a threatening letter from them, and obviously if I don't respond to it, they are probably going to come to my house and enforce payment. In fact, I recently saw a TV programme about this company and their appalling tactics in trying to get people to pay their debts. To be honest, I thought the people who were nasty enough to make me BR in the first place were dreadful, but Rossendales are the absolute pits! As I say, I have no idea what it relates to and like most of these things, the only information given in the heading of the letter is some company I've never even heard of.
I would appreciate some advice on what I should do to get them off my back. Do I write to them direct? Mind you, a letter will probably take about three weeks to get to the appropriate person anyway, by which time, they will probably have called at my house (still up for sale) and completely trashed it in an effort to obtain monies I don't owe. Or do I pass it onto the Trustee; however, if I do this, I will probably incur further costs which, by the time the house IS sold, are likely to far outweigh any debts owing anyway!
Apart from probably having to sell the house, I was beginning to think (and hope!) that things were starting to settle down now, so it's incredibly annoying that two years after BR, someone should start hassling me.
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| 4 L A T E S T R E P L I E S (Newest First) |
| Melanie.n |
Posted - 02 December 2011 : 15:44:49
Only too happy to have been of help to you, Melanie
Melanie Nicholas CertDR
30 years insolvency experience - 23 of which in the Insolvency Service
- Insolvency Manager
Jones Giles
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| bearsndogs |
Posted - 02 December 2011 : 14:12:32
Hi Melanie and Blackie,
Thanks to you both for your responses to my dilemma. For once, I feel a bit more positive about the whole thing.
So far as this particular debt is concerned, it is something I know nothing about and I certainly have not incurred any further debts since the date of the bankruptcy. I imagine, therefore, it could be one of those matters which, over the years, has been passed "from pillar to post", thus losing sight of the original creditor, details of which were, as I said, passed onto OR/Trustee. Hopefully(!), you are right, Blackie, when you say they are trying it on. And, like you say, they are nasty pieces of work, especially judging by their antics I saw on the "Exposed" programme!
I obviously don't relish the prospect of having to speak with them again, given their abusive demeanour. However, I will have to deal with this after the weekend (too many noisy grandchildren around at the moment!), and I will let you know how things progress.
Thanks again for your help.
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| Blackie |
Posted - 02 December 2011 : 09:13:46
Morning bearsndogs
I am sorry to hear of your plight and you do need to find out about the debt. Frankly I suspect they are trying it on.
If the debt was incurred prioe to your bankruptcy, the debt will have been written off - even if the creditor was unaware. Otherwise you are liable.
Unfortunately Rossendales are ruthless and you must stand your ground. Please telephone them as you do need to know about the debt. Once you have this information, I would suggest that, if it is a bankruptcy debt, you see if the OR is prepared to intervene.
Good luck!
John Blackadder
Bankruptcy365
For help and advice on the easiest and most effective way to a debt free future, please go to www.bankruptcy365.co.uk. |
| Melanie.n |
Posted - 02 December 2011 : 08:50:44
Hello there and welcome to the forum
with regard to your situation are you confident that the debt with Rossendales was outstanding as at the date of your bankrtuptcy? (ie not a debt you have incurred after he date you were made bankrupt? have to ask as it has been known!)
If the debt was outstanding as at the date you went bankrupt, then it is included in the bankruptcy and 'out of your hands'
Contact the company on the telphone number on the letter, quoting the reference and provide the date and court number of the bankruptcy together with the name of the trustee dealing with the matter, and tell them firmly to get in touch with them. Don't get involved in anything else. Have all the details written down in from of you prior to making the call, and when you have given the information over, put the phone down. I would also follow this up with a letter stating the same information, then send a copy of your letter with the original correspondence from Rossendales to your trustee.
If, as I presume, the debt is included in the bankruptcy, ie outstanding at the date of the banklruptcy, the creditor is not acting within the law in chasing you for payment - this must be done by registering a proof of debt via the OR/Trustee.
Under no circumstances discuss or agree to any repayment with this creditor - all you can do is pass to the trustee as an end to the matter!
Hope this helps, Melanie
Melanie Nicholas CertDR
30 years insolvency experience - 23 of which in the Insolvency Service
- Insolvency Manager
Jones Giles
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